Ruth had not seen Bailey since the afternoon when he had called to
warn her against Basil Milbank. Whether it was offended dignity that
kept him away, or merely pressure of business, she did not know.

That pressure of business existed, she was aware. The papers were full,
and had been full for several days, of wars and rumours of wars down in
Wall Street; and, though she understood nothing of finance, she knew
that Bailey was in the forefront of the battle. Her knowledge was based
partly on occasional references in the papers to the firm of Bannister
& Co. and partly on what she heard in society.

She did not hear all that was said in society about Bailey's financial
operations--which, as Bailey had the control of her money, was
unfortunate for her. The manipulation of money bored her, and she had
left the investing of her legacy entirely to Bailey. Her father, she
knew, had always had a high opinion of Bailey's business instincts, and
that was good enough for her.

She could not know how completely revolutionized the latter's mind had
become since the old man's death, and how freedom had turned him from a
steady young man of business to a frenzied financier.

It was common report now that Bailey was taking big chances. Some went
so far as to say that he was "asking for it," "it" in his case being
presumably the Nemesis which waits on those who take big chances in an
uncertain market. It was in the air that he was "going up against" the
Pinkey-Dowd group and the Norman-Graham combination, and everybody knew
that the cemeteries of Wall Street were full of the unhonoured graves
of others who in years past had attempted to do the same.

Pinkey, that sinister buccaneer, could have eaten a dozen Baileys.
Devouring aspiring young men of the Bailey type was Norman's chief
diversion.

Ruth knew nothing of these things. She told herself that it was her
abruptness that had driven Bailey away.

Weariness and depression had settled on Ruth since that afternoon of
the storm. It was as if the storm had wrought an awakening in her. It
had marked a definite point of change in her outlook. She felt as if
she had been roused from a trance by a sharp blow.

If Steve had but known, she had had the "jolt" by which he set such
store. She knew now that she had thrown away the substance for the
shadow.

Kirk's anger, so unlike him, so foreign to the weak, easy-going person
she had always thought him, had brought her to herself. But it was too
late. There could be no going back and picking up the threads. She had
lost him, and must bear the consequences.

The withdrawal of Bailey was a small thing by comparison, a submotive
in the greater tragedy. But she had always been fond of Bailey, and it
hurt her to think that she should have driven him out of her life.

It seemed to her that she was very much alone now. She was marooned on
a desert island of froth and laughter. Everything that mattered she had
lost.

Even Bill had gone from her. The bitter justice of Kirk's words came
home to her now in her time of clear thinking. It was all true. In the
first excitement of the new life he had bored her. She had looked upon
Mrs. Porter as a saviour who brought her freedom together with an easy
conscience. It had been so simple to deceive herself, to cheat herself
into the comfortable belief that all that could be done for him was
being done, when, as concerned the essential thing, as Kirk had said,
there was no child of the streets who was not better off.

She tramped her round of social duties mechanically. Everything bored
her now. The joy of life had gone out of her. She ate the bread of
sorrow in captivity.

And then, this morning, had come a voice from the world she had
lost--little Mrs. Bailey's voice, small and tearful.

Could she possibly come out by the next train? Bailey was very ill.
Bailey was dying. Bailey had come home last night looking ghastly. He
had not slept. In the early morning he had begun to babble--Mrs.
Bailey's voice had risen and broken on the word, and Ruth at the other
end of the wire had heard her frightened sobs. The doctor had come. The
doctor had looked awfully grave. The doctor had telephoned to New York
for another doctor. They were both upstairs now. It was awful, and Ruth
must come at once.

This was the bad news which had brought about the pallor which had
impressed Mr. Keggs as he helped Ruth into her cab.

Little Mrs. Bailey was waiting for her on the platform when she got out
of the train. Her face was drawn and miserable. She looked like a
beaten kitten. She hugged Ruth hysterically.

"Oh, my dear, I'm so glad you've come. He's better, but it has been
awful. The doctors have had to fight him to keep him in bed. He
was crazy to get to town. He kept saying over and over again that he
must be at the office. They gave him something, and he was asleep when
I left the house."

She began to cry helplessly. The fates had not bestowed upon Sybil
Bannister the same care in the matter of education for times of crisis
which they had accorded to Steve's Mamie. Her life till now had been
sheltered and unruffled, and disaster, swooping upon her, had found her
an easy victim.

She was trying to be brave, but her powers of resistance were small
like her body. She clung to Ruth as a child clings to its mother. Ruth,
as she tried to comfort her, felt curiously old. It occurred to her
with a suggestion almost of grotesqueness that she and Sybil had been
debutantes in the same season.

They walked up to the house. The summer cottage which Bailey had taken
was not far from the station. On the way, in the intervals of her sobs,
Sybil told Ruth the disjointed story of what had happened.

Bailey had not been looking well for some days. She had thought it must
be the heat or business worries or something. He had not eaten very
much, and he had seemed too tired to talk when he got home each
evening. She had begged him to take a few days' rest. That had been the
only occasion in the whole of the last week when she had heard him
laugh; and it had been such a horrid, ugly sort of laugh that she
wished she hadn't.

He had said that if he stayed away from the office for some time to
come it would mean love in a cottage for them for the rest of their
lives--and not a summer cottage at Tuxedo at that. "'My dear child,'"
he had gone on, "and you know when Bailey calls me that," said Sybil,
"it means that there is something the matter; for, as a rule, he never
calls me anything but my name, or baby, or something like that."

Which gave Ruth a little shock of surprise. Somehow the idea of the
dignified Bailey addressing his wife as baby startled her. She was
certainly learning these days that she did not know people as
completely as she had supposed. There seemed to be endless sides to
people's characters which had never come under her notice. A sudden
memory of Kirk on that fateful afternoon came to her and made her
wince.

Mrs. Bailey continued: "'My dear child,' he went on, 'this week is
about the most important week you and I are ever likely to live
through. It's the show-down. We either come out on top or we blow up.
It's one thing or the other. And if I take a few days' holiday just now
you had better start looking about for the best place to sell your
jewellery.'

"Those were his very words," she said tearfully. "I remember them all.
It was so unlike his usual way of talking."

Ruth acknowledged that it was. More than ever she felt that she did not
know the complete Bailey.

"He was probably exaggerating," she said for the sake of saying
something.

"It isn't that that's worrying me," she went on then. "Somehow I don't
seem to care at all whether we come out right or not, so long as he
gets well. Last night, when I thought he was going to die, I made up my
mind that I couldn't go on living without him. I wouldn't have,
either."

This time the shock of surprise which came to Ruth was greater by a
hundred-fold than the first had been. She gave a quick glance at Sybil.
Her small face was hard, and the little white teeth gleamed between her
drawn lips. It was the face, for one brief instant, of a fanatic. The
sight of it affected Ruth extraordinarily. It was as if she had seen a
naked soul where she had never imagined a soul to be.

She had weighed Sybil in the same calm, complacent almost patronizing
fashion in which she had weighed Bailey, Kirk, everybody. She had set
her down as a delightful child, an undeveloped, feather-brained little
thing, pleasant to spend an afternoon with, but not to be taken
seriously by any one as magnificent and superior as Ruth Winfield. And
what manner of a man must Bailey be, Bailey whom she had always looked
on as a dear, but as quite a joke, something to be chaffed and made to
look foolish, if he was capable of inspiring love like this?

A wave of humility swept over her. The pygmies of her world were
springing up as giants, dwarfing her. The pinnacle of superiority on
which she had stood so long was crumbling into dust.

She was finding herself. She winced again as the thought stabbed her
that she was finding herself too late.

They reached the house in silence, each occupied with her own thoughts.
The defiant look had died out of Sybil's face and she was once more a
child, crying because unknown forces had hurt it. But Ruth was not
looking at her now.

She was too busy examining this new world into which she had been
abruptly cast, this world where dolls had souls and jokes lost their
point.

At the cottage good news awaited them. The crisis was past. Bailey was
definitely out of danger. He was still asleep, and sleeping easily. It
had just been an ordinary breakdown, due to worrying and overwork, said
the doctor, the bigger of the doctors, the one who had been summoned
from New York.

"All your husband needs now, Mrs. Bannister, is rest. See that he is
kept quiet. That's all there is to it."

As if by way of a commentary on his words, a small boy on a bicycle
rode up with a telegram.

Ruth read it. It was a C. D. Q., an S.O.S. from the front; an appeal
for help from the forefront of the battle. She did not understand the
details of it, but the purport was clear. The battle had begun, and
Bailey was needed. But Bailey lay sleeping in his tent.

The second telegram arrived half an hour after the first. It differed
from the first only in its greater emphasis. Panic seemed to be growing
in the army of the lost leader.

The ringing of the telephone began almost simultaneously with the
arrival of the second telegram. Ruth went to the receiver. A frantic
voice was inquiring for Mr. Bannister even as she put it to her ear.

"This is Mrs. Winfield speaking," she said steadily, "Mr. Bannister's
sister. Mr. Bannister is very ill and cannot possibly attend to any
business."

There was a silence at the other end of the wire. Then a voice, with
the calm of desperation, said: "Thank you." There was a pause. "Thank
you," said the voice again in a crushed sort of way, and the receiver
was hung up. Ruth went back to Sybil.

The hours passed. How she got through them Ruth hardly knew. Time
seemed to have stopped. For the most part they sat in silence. In the
afternoon Sybil was allowed to see Bailey for a few minutes. She
returned thoughtful. She kissed Ruth before she sat down, and once or
twice after that Ruth, looking up, found her eyes fixed upon her. It
seemed to Ruth that there was something which she was trying to say,
but she asked no questions.

After dinner they sat out on the porch. It was a perfect night. The
cool dusk was soothing.

"I guessed. I have been trying to do it all day, but I hadn't the
pluck. Well?"

"I'm afraid things are about as bad as they can be. A Mr. Meadows spoke
to me. He was very gloomy. He told me a lot of things which I couldn't
follow, details of what had happened, but I understood all that was
necessary, I'm afraid----"

Ruth laughed excitedly. She felt as if a great weight had been lifted
from her shoulders--a weight which had been crushing the life out of
her. In the last few days the scales had fallen from her eyes and she
had seen clearly.

She realized now what Kirk had realized from the first, that what had
forced his life apart from hers had been the golden wedge of her
father's money. It was the burden of wealth that had weighed her down
without her knowing it. She felt as if she had been suddenly set free.

"Of course I'm glad. Everything's going to be all right again now.
Sybil dear, Kirk and I had the most awful quarrel the other day. We--we
actually decided it would be better for us to separate. It was all my
fault. I had neglected Kirk, and I had neglected Bill, and Kirk
couldn't stand it any longer. But now that this has happened, don't you
see that it will be all right again? You can't stand on your dignity
when you're up against real trouble. If this had not happened, neither
of us would have had the pluck to make the first move; but now, you
see, we shall just naturally fall into each other's arms and be happy
again, he and I and Bill, just as we were before."

"It must be lovely for you having Bill," said little Mrs. Bailey
wistfully. "I wish--"

She stopped. There was a corner of her mind into which she could not
admit any one, even Ruth.

"Having him ought to have been enough for any woman." Ruth's voice was
serious. "It was enough for me in the old days when we were at the
studio. What fools women are sometimes! I suppose I lost my head,
coming suddenly into all that money--I don't know why; for it was not
as if I had not had plenty of time, when father was alive, to get used
to the idea of being rich. I think it must have been the unexpectedness
of it. I certainly did behave as if I had gone mad. Goodness! I'm glad
it's over and that we can make a fresh start."

"What is it like being poor, Ruth? Of course, we were never very well
off at home, but we weren't really poor."

"Bailey's the right man, as far as I'm concerned. But I'm wondering how
he will bear it, poor dear."

Ruth was feeling too happy herself to allow any one else to be unhappy
if she could help it.

"Why, of course he will be splendid about it," she said. "You're
letting your imagination run away with you. You have got the idea of
Bailey and yourself as two broken creatures begging in the streets. I
don't know how badly Bailey will be off after this smash, but I do know
that he will have all his brains and his energy left."

Ruth was conscious of a momentary feeling of surprise that she should
be eulogizing Bailey in this fashion, and--stranger still--that she
should be really sincere in what she said. But to-day seemed to have
changed everything, and she was regarding her brother with a new-born
respect. She could still see Sybil's face as it had appeared in that
memorable moment of self-revelation. It had made a deep impression upon
her.

"A man like Bailey is worth a large salary to any one, even if he may
not be able to start out for himself again immediately. I'm not
worrying about you and Bailey. You will have forgotten all about this
crash this time next year." Sybil brightened up. She was by nature
easily moved, and Ruth's words had stimulated her imagination.

"Why, this sort of thing happens every six months to anybody who has
anything to do with Wall Street," proceeded Ruth, fired by her own
optimism. "You read about it in the papers every day. Nobody thinks
anything of it."

Sybil, though anxious to look on the bright side, could not quite rise
to these heights of scorn for the earthquake which had shaken her
world.

Ruth reassured her, though it entailed a certain inconsistency on her
part. She had a true woman's contempt for consistency.

"Of course you won't have to go through it again. Bailey will be
careful in future not to--not to do whatever it is that he has done."

She felt that the end of her inspiring speech was a little weak, but
she did not see how she could mend it. Her talk with Mr. Meadows on the
telephone had left her as vague as before as to the actual details of
what had been happening that day in Wall Street. She remembered stray
remarks of his about bulls, and she had gathered that something had
happened to something which Mr. Meadows called G.R.D.'s, which had
evidently been at the root of the trouble; but there her grasp of high
finance ended.

Sybil, however, was not exigent. She brightened at Ruth's words as if
they had been an authoritative pronouncement from an expert.

"Bailey is sure to do right," she said. "I think I'll creep in and see
if he's still asleep."

Ruth, left alone on the porch, fell into a pleasant train of thought.
There was something in her mental attitude which amused her. She
wondered if anybody had ever received the announcement of financial
ruin in quite the same way before. Yet to her this attitude seemed the
only one possible.

How simple everything was now! She could go to Kirk and, as she had
said to Sybil, start again. The golden barrier between them had
vanished. One day had wiped out all the wretchedness of the last year.
They were back where they had started, with all the accumulated
experience of those twelve months to help them steer their little ship
clear of the rocks on its new voyage.

* * * * *

She was roused from her dream by the sound of an automobile drawing up
at the door. A voice that she recognised called her name. She went
quickly down the steps.